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Primary Residential Mortgage, Inc.
10121 N Rodney Parham, Suites C & D
Little Rock, AR 72227
855-474-7169
501-225-5626
NMLS # 3094
Branch NMLS # 252910
Licensed by Arkansas Securities Department 11558
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Equal Opprtunity Lender

Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

Awesome Ways on How to Shop for Mortgages

Shopping for mortgages is probably one of the best advice that you can get when you’re applying for a mortgage. This will give you the best housing loan plan for your home.  But how do you know if it’s the best deal?

Apples to Apples

Try to get quotes from the mortgage companies that you’ve searched. Look at each of their rates and their fees. You should also take a look at the loan points, the closing costs estimates, down payment required and all the other fees that may be charged by the lender. You can try to create a list and compare each of them to make it easier.

Plan for Pre-charged Costs

There will be additional costs that will be included once you’re about to get your loan approved. So you have to be prepared for all these costs so that you wouldn’t get off-guard. There will also be escrows for real estate taxes and also homeowner insurance. Actually, shopping in states like Louisiana for closing agents can save you thousands of dollars. On the other hand, closing costs or escrow are quite minimal in other states.

Get Your Credit Report Ready

It is a requirement by most lenders in cities like New Orleans Louisiana to have your credit report checked. If you’re not really confident with your credit history, you might want to check and rebuild it first. Chances are, people who have low credit scores tend to get their mortgage loan disapproved. So before that happens, try to fix it first to make sure that you wouldn’t have any problems with it in the future.

Consider How Much Your Budget is

Check how much can you afford as a down payment. If you’re planning to get a term for as long as 30 years, then it would be just fine for you to come up with a regular down payment. However, if you’re planning to get a much shorter term, then it would be best to come up with a much higher down payment.

Ask for the Necessary Documents

All mortgage companies in states like Louisiana would require you some documents and paperwork to process your mortgage request. Your mortgage will get approved much faster if you can process them sooner. It would be best to ask for the necessary documents and paperwork beforehand so that you can prepare for it right away.

Getting as many options as you can is ideal especially if you’re getting a mortgage. It would be best to ask a referral from any of your friends or relatives if they know any mortgage company that they know about. You can also try to search the local listing or browse the internet for a list of mortgage companies within your area.

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